Call reports 2016
TOUCHSTONE BANK — 2016
What TOUCHSTONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 221,718,000 | 221,433,000 | 221,685,000 | 222,818,000 |
| Total loans | 155,839,000 | 155,085,000 | 154,648,000 | 157,586,000 |
| Allowance for loan losses | 2,670,000 | 2,670,000 | 2,580,000 | 1,572,000 |
| Securities available for sale | 23,057,000 | 27,642,000 | 26,822,000 | 25,445,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,718,000 | 192,920,000 | 192,757,000 | 194,668,000 |
| Interest-bearing deposits | 146,417,000 | 146,036,000 | 143,445,000 | 144,181,000 |
| Noninterest-bearing deposits | 47,301,000 | 46,884,000 | 49,312,000 | 50,487,000 |
| Equity capital | 25,317,000 | 25,691,000 | 26,080,000 | 25,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,341,000 | 4,608,000 | 6,900,000 | 9,193,000 |
| Interest expense | 203,000 | 414,000 | 616,000 | 815,000 |
| Net interest income | 2,138,000 | 4,194,000 | 6,284,000 | 8,378,000 |
| Noninterest income | 417,000 | 901,000 | 1,322,000 | 1,795,000 |
| Noninterest expense | 2,000,000 | 4,044,000 | 6,026,000 | 7,946,000 |
| Provision for loan losses | 0 | 0 | 0 | -264,000 |
| Pretax income | 555,000 | 1,051,000 | 1,580,000 | 2,491,000 |
| Income tax | 173,000 | 320,000 | 478,000 | 766,000 |
| Net income | 382,000 | 731,000 | 1,102,000 | 1,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,021,000 | 25,537,000 | 25,917,000 | 25,904,000 |
| Total capital | 27,169,000 | 27,656,000 | 28,035,000 | 27,476,000 |
| Risk-weighted assets | 171,304,000 | 169,007,000 | 168,979,000 | 172,589,000 |